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The Policy Recommendations on the Construction of the Credit Reporting Tolerance Mechanism of the National Student Loans
Pages: 79-84
Year: Issue:  3
Journal: Xi'an Finance

Keyword:  credit systemtolerance mechanismnational student loan;
Abstract: The National Student Loan as an important carrier of inclusive finance is promoted by the People’s Bank of China.Some financial institutions have also brought the National Student Loan into their overall strategy of the credit business, and continuously explored how to operate it and how to control its risk. However, with the growth of the development and scale of the National Student Loan business of financial institutions, the issue of the higher non-performing loans ratio has been increasingly highlighted,which directly affects the enthusiasm of financial institutions to expand business. The poor credit record and the problem arising from being lack of credit led by the overdue loans bring a new challenge for the construction of the credit system in China. Based on the deep investigation, from the credit reporting management, the paper proposes constructing the credit tolerance mechanism of the National Student Loans hoping that the National student Loans could develop healthily and the inclusive finance could be put into effect,and trying to provide innovative suggestions for China’s credit system construction.
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